Savings and Investments

Each qualified deposit is insured up to $250,000

Regular Savings Account

Mountain Valley Bank offers a comprehensive range of savings and investment services designed with your lifestyle in mind. Whatever your investment objective, Mountain Valley Bank has a variety of services to meet your needs. We will be happy to review your situation and recommend a program to help meet your financial objectives.

At Mountain Valley Bank, each qualified deposit is insured up to $250,000 by the FDIC.

Regular Savings Account


Available for both consumer and commercial customers


Customers under the age of 18 will not be charged a service charge


Minimum balance of $200.00


Earn interest based on a collected balance*


Monthly service charge of $3.00 if account balance falls below minimum requirement.

Start the process of opening a regular savings account today!


Money Market Account

Available for both consumer and commercial customers.

Minimum balance of $1,000.00 to avoid monthly service charge.

Monthly service charge of $10.00 if account balance falls below minimum requirement.

Checks and deposit slips at no cost.

Monthly statement provided with images.

Earn interest on 5 different tiers based on collected balance.*

Health Savings Accounts****

$25 minimum deposit to open.

A Health Savings Account (HSA) is a tax-exempt trust or custodial account established exclusively for the purpose of paying or reimbursing qualified medical expenses of you, your spouse, and your dependents. Call or see a Mountain Valley Bank representative for eligibility and more information. Your investment is insured up to $250,000 per category of legal ownership by the FDIC. $2.50 Monthly service charge for accounts with a balance below $10,000. 



Certificates of Deposit

$1,000.00 minimum deposit to open.

Mountain Valley Bank pays competitive rates on CDs.*** Terms are available to meet your needs. Your investment is insured up to $250,000 per category of legal ownership by the FDIC. Call or see a Mountain Valley Bank representative for more information.





Traditional IRAs If you are younger than age 72 for the entire tax year, and have compensation, you are eligible to establish and make an annual tax-year contribution to a traditional IRA.

Roth IRA is an individual retirement account that allows nondeductible contributions but features tax-free withdrawals for certain distribution reasons after a five-year holding period. The term “tax-free” means free from federal income taxes.

Simplified Employee Pension (SEP) IRAsA SEP plan allows employers to contribute to traditional IRAs (SEP-IRAs) set up for employees. A business of any size, even self-employed, can establish a SEP.No Annual Custodial Fees on IRAs. Fixed IRA CD Rates and Flexible IRA Savings.For more information about Individual Retirement Accounts (IRAs) call any of our Personal Bankers.Your investment is insured up to $250,000 per category of legal ownership by the FDIC.

*The “collected balance” on account is derived after all transactions have been posted to the account. The collected balance reflects only those funds which have been collected by us.
***Penalty for early withdrawal on CDs.
****Eligibility and transactions limited to IRS regulations

Raymond James Investment

As independent professional advisors, we can offer you a personalized financial strategy, not a generic investment program. Your individual portfolio will be based on your unique situation, your attitudes, preferences, and goals. It will be designed to account for change, both in the market and in your circumstances, so that it can work with you and for you at every stage of your life.

Our approach to investing is straightforward: we focus on becoming your partner in building the future you desire. As we work together, our advisors will thoroughly explain the investment strategies recommended, so that you’ll be fully comfortable with all aspects of your investment program. Every decision we make will be focused on achieving the results you want. Our mission is to help our clients achieve financial independence through professional advice, sound risk management, quality investment products, and personal, efficient service. Call 1-308-635-7766 to speak to a Raymond James Investment associate.

Securities are offered through Raymond James Financial Services, Inc., member FINRAISIPC, an independent broker/dealer, and are not insured by FDIC, NCUA or any other financial institution insurance or government agency; are not deposits or obligations of the financial institution; are not guaranteed by the financial institution; and are subject to risks, including the possible loss of principal.

Securities offered through

NOT FDIC Insured
NOT GUARANTEED by the bank
Subject to risk and may lose value
Not a deposit
Not insured by any government agency
Raymond James is not affiliated with the financial institution or the investment center”


Steamboat Springs Curve Plaza - 970-870-6550

Steamboat Springs Wildhorse - 970-870-9990

Meeker - 970-878-0103

Walden - 970-723-8221

Hayden - 970-276-9099

Greeley - 970-351-8600

Fort Collins - 970-472-7900

24hr Telebanking - 877-275-2088